How much house can I afford?
Affordability calculator
See the maximum home price your income can support — single or joint application.
Prime 10.75% · 25 September 2026
R
Before tax and deductions.
R
Car finance, personal loans, credit cards, store accounts.
R
%
Prime is 10.75%.
You could afford a home of up to
R 1 429 749
R 1 329 749 bond + R 100 000 deposit
Max monthly instalment
R 13 500
30% of gross income
Household income
R 45 000
Gross per month
Max bond
R 1.33m
20 years
R 1.43m
25 years
R 1.5m
30 years
R 1.55m
A longer term raises the maximum, but costs substantially more in interest.
This is a rule-of-thumb estimate. A LUCID Clear Credit check shows what banks will actually lend you.
Get the real number
Ready to see what you qualify for?
Free, no obligation. Get a real view of what the banks will lend you in about two minutes.
